5.03

% p.aComparison Rate*

Fixed Rate: The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable interest rate.

^Advantage Package: Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Before deciding to acquire a St.George transaction account, read the terms and conditions, and consider if the product is right for you.

*Comparison rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Special offers

$2,000

Cashback^When yourefinance

Receive $2,000 cashback^ when you refinance to a new Owner Occupied (Principal & Interest) or Investment home loan under the Advantage Package. $395 annual package fee and $250k minimum loan size applies. Excludes Portfolio Loans and refinances from within Westpac Group. Applications received by 31 March 2019 and loan settled by 31 May 2019.

$1,500

Cashback*When you buy a home

Receive $1,500 cashback* when you apply for a new Owner Occupied (Principal & Interest) or Investment home loan under the Advantage Package. $395 annual package fee and $250k minimum loan size applies. Excludes Portfolio Loans and refinances. Applications received by 31 March 2019 and loan settled by 31 May 2019.

$2,000 Refinance Cashback offer^For new home loan applications received from 8 October 2018 to 31 March 2019 and settled by 31 May 2019 for refinance purposes under the Advantage Package. Offer current as at 1 February 2019. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans and refinances from within Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA and RAMS. Offer not available for Owner Occupier Interest Only loans. Offer can be used in conjunction with the new purchase cashback, with maximum one new purchase cashback and one refinance cashback payable per main applicant, and not available in conjunction with any other offer. Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Applicants must have a St.George transaction account linked to the home loan at the time of settlement, and must keep this account for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cashback will be paid into this account within 60 days after settlement. Before deciding to acquire a St.George transaction account, read the terms and conditions, and consider if the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

$1,500 New Purchase Cashback offer*For new home loan applications received from 7 November 2018 to 31 March 2019 and settled by 31 May 2019 under the Advantage Package. Offer current as at 1 February 2019. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans, refinances and Owner Occupied Interest Only loans. Offer can be used in conjunction with the refinance cashback, with maximum one new purchase cashback and one refinance cashback payable per main applicant, and not available in conjunction with any other offer. Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Applicants must have a St.George transaction account linked to the home loan at the time of settlement, and must keep this account for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cashback will be paid into this account within 60 days after settlement. Before deciding to acquire a St.George transaction account, read the terms and conditions, and consider if the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

Our Home Loans

We offer a range of mortgages to suit your needs with competitive interest rates.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.